I'm with him ↑I call your bluff sir.
If the situation ever arose, that you lose none of your money is fantasy.
And given from your postings that at least some of your IP's are fairly CF-, then even if the sale price breaks even you've lost your own money.
I've often posted (& boasted) about dealing & negotiating with banks over the years, but unless I've got something to put on the table there's no point even wasting 40c for the phone call.
I you think your not giving it to them, I'd say your deluded.